We actually had someone say this to us when we lived in Salt Lake a number of years ago. It was during the 2007-08 financial debacle. In our discussion he asked us what's the worst and we replied we could go bankrupt! "So what's the worst that can happen?" he responds. "We could end up living in the car!" "Thank God; you have a car".

How do you respond to that kind of counsel when you're feeling hard pressed. Bottom line is that we knew he was right. We forgot who was in charge.